Which of the following is an example of a Retail Bank?

HSBC Bank is an example of a retail bank because it primarily focuses on providing banking services to individual consumers and small businesses. Retail banks offer a range of services, including personal banking accounts, savings and checking accounts, mortgages, loans, and credit cards, catering directly to the financial needs of private clients. HSBC, being one of the largest banking and financial services organizations globally, has a significant presence in the retail banking sector, serving millions of individual customers.

In contrast, Goldman Sachs primarily operates as an investment bank and offers services like asset management, wealth management, and investment advisory, rather than consumer banking. Barclays Corporate primarily focuses on business and corporate banking services, catering to larger businesses and institutions rather than individual consumers. JP Morgan Chase, while it does have a retail banking division, also has a strong emphasis on investment banking and wealth management, making it more broadly classified as a universal bank. Thus, the focus on serving retail clients distinctly characterizes HSBC Bank as a retail bank.